DSD Law Firm


Life has a way of disrupting even the most carefully constructed plans. Sometimes, unexpected circumstances become the norm rather than the exception. Even those who are financially responsible can find themselves overwhelmed by the costs that arise from accidents, illnesses, job losses, reduced work hours, increased interest rates, lost overtime wages, unexpected repair bills, or other changes in their circumstances.

The consequences of mounting debt can be severe, leading to depression, relationship problems, anxiety, and sleepless nights. These effects can impact even the most level-headed individuals when their expenses become unmanageable. That is why it is crucial, not only for your mental well-being but also for your physical health, to take prompt and prudent action to reduce your debts. Consider seeking assistance from a New York Chapter 7 bankruptcy attorney. The longer you wait to address unpaid bills, the more likely you are to face catastrophic outcomes, such as losing your home, car, or other valuable possessions. Furthermore, the long-term stress associated with financial struggles poses health risks.

Contact Dalbir Singh & Associates, P.C. today! Call 212.428.2000 to arrange a consultation. We speak English, हिंदी, ગુજરાતી, ਪੰਜਾਬੀ , বাংলা, and Español.


If you are eager to restore a sense of balance to your life, you may want to seek legal representation from a New York Chapter 7 bankruptcy lawyer. At Dalbir Singh & Associates, P.C., we have helped countless individuals safeguard their assets and achieve a fresh financial start. We encourage you to reach out to our office by calling 212 428 2000 to arrange a free initial consultation with one of our chapter 7 bankruptcy lawyers.


In simple terms, Chapter 7 of the United States Bankruptcy Code is a federal provision designed to assist individuals and businesses who are unable to repay their debts. By filing for Chapter 7 bankruptcy in New York, individuals take control of their financial situation and have the opportunity to start anew. In essence, Chapter 7 bankruptcy allows people to turn the page on their financial history. Through a Chapter 7 New York filing, individuals are relieved of the obligation to pay dischargeable debts, which may include credit card balances, bank loans, personal loans, court judgments, and medical bills. It is important to note that certain debts, such as tax debts, student loans, government fines, court fines, child support, and spousal support, are typically non-dischargeable and must still be paid.

When a person successfully files a Chapter 7 bankruptcy claim, they can retain all property that is categorized as exempt. This commonly includes:

  • A certain amount of equity in your home.

  • A certain amount of equity in a motor vehicle.

  • Most household items and personal property, such as clothing, wedding rings, or tools of the trade.

  • Most public benefits, including social security, disability, veterans benefits, and worker's compensation.

  • Alimony and/or child support.

  • Qualifying retirement accounts, pensions, and life insurance.

  • A limited amount of cash.

For more information about property exemptions, please refer to our article on Property Exemptions in Bankruptcy.

Typically, a New York Chapter 7 bankruptcy proceeding involves the sale or liquidation of the debtor's nonexempt possessions or assets. A bankruptcy trustee is appointed to evaluate and sell these nonexempt assets, and the proceeds from the sale are then used to repay creditors.


Recent amendments to the bankruptcy laws have introduced a requirement for individuals earning above the average income in their specific geographic region to undergo a means test in order to determine their eligibility for Chapter 7 bankruptcy in New York. The means test involves a two-step analysis of income and expenses, which can be quite intricate for someone unfamiliar with its criteria to navigate on their own. However, there's no need to worry. Our team of attorneys is here to assist you through the means test process and assess whether you meet the criteria to qualify for Chapter 7 bankruptcy. In the event that you are deemed ineligible, we can explore alternative options, such as Chapter 13 bankruptcy, to help you find the best solution for your circumstances.

Once you enlist the services of one of our Chapter 7 bankruptcy attorneys, we immediately commence working on your case. It is our privilege and responsibility to represent you throughout the entire bankruptcy journey, from start to finish. Once you notify collection agencies that you are being represented by an attorney, they are legally obligated to cease all contact with you. Additionally, in certain cases, declaring bankruptcy can put a halt to home foreclosure proceedings and prevent the repossession of your property.


Chapter 7 bankruptcy is a legal process designed to help individuals and businesses eliminate or discharge their debts and obtain a fresh start financially. It involves the liquidation of non-exempt assets to pay off creditors.

To qualify for Chapter 7 bankruptcy, you must pass the means test, which examines your income, expenses, and household size. If your income falls below the state median or you cannot afford to repay your debts, you may be eligible.

Chapter 7 bankruptcy can discharge most unsecured debts, such as credit card debt, medical bills, personal loans, and some tax obligations. However, certain debts, such as student loans and child support, are generally not dischargeable.

No, you won't necessarily lose all your property. Chapter 7 bankruptcy allows for exemptions, which protect certain types of property from being liquidated. Common exemptions include your primary residence, vehicle, household goods, and tools of your trade.

The Chapter 7 bankruptcy process typically takes around 3 to 4 months from the time of filing to the discharge of debts. However, it can vary depending on factors such as the complexity of your case and the court's caseload.

Yes, once you file for Chapter 7 bankruptcy, an automatic stay goes into effect. This legal protection prohibits creditors from contacting you, pursuing legal actions, or attempting to collect debts during the bankruptcy process.

Yes, filing for Chapter 7 bankruptcy will have a negative impact on your credit score. It will remain on your credit report for up to 10 years. However, by managing your finances responsibly after bankruptcy, you can start rebuilding your credit over time.

Yes, you can file for Chapter 7 bankruptcy more than once, but there are certain time limits to consider. If you previously received a Chapter 7 discharge, you must wait eight years from the date of the previous filing before you can file for Chapter 7 again.

Yes, you will be required to attend a meeting of creditors, also known as a 341 meeting. This meeting allows the bankruptcy trustee and your creditors to ask you questions about your finances and bankruptcy petition. It is usually a relatively brief and informal proceeding.

While it is possible to file for Chapter 7 bankruptcy without an attorney, it is highly recommended to seek legal representation. A knowledgeable bankruptcy attorney can guide you through the complex process, help you understand your options, and maximize your chances of a successful outcome.

Dalbir Singh & Associates, P.C. specializes in various areas of bankruptcy law, including:

*Disclaimer: This content is an attorney advertisement. Prior successful results do not guarantee a similar outcome in your case. It is essential to consult with qualified legal professionals to understand your specific circumstances and legal options.

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